Auto Insurance Rate Quotes for a Dodge Avenger in Tucson

Insurance for Dodge AvengerDo you need a better way to compare low-cost Dodge Avenger insurance in Tucson? Trying to come up with a payment for pricey auto insurance can take a big chunk out of your funds and maybe even restrict other spending.

Amazingly, a recent study showed that nearly 70% of consumers kept their coverage with the same auto insurance company for over three years, and practically 40% of auto insurance customers have never quoted rates to find affordable coverage. Consumers in Arizona can save approximately 50% each year just by comparing rates, but they just don’t want to save money by comparing rate quotes. Online insurance companies like Allstate, Liberty Mutual and State Farm promote their brand names with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

The most recommended method to compare rates for Dodge Avenger insurance in Tucson is to know the fact most of the larger companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details like the ages of drivers, if a SR-22 is required, if it has an alarm system, and how much school you completed. The data gets transmitted to insurance carriers in your area and they return cost estimate immediately.

To compare rates for your Dodge Avenger now, click here and enter the information requested.

The companies shown below are ready to provide price quotes in Tucson, AZ. To locate the best cheap car insurance in Tucson, we suggest you visit two to three different companies to get a more complete price comparison.

Data for Dodge Avenger insurance

The rate table shown next outlines estimates of insurance prices for Dodge Avenger models. Understanding how insurance policy rates are established helps drivers make informed decisions when comparing rate quotes.

Dodge Avenger Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avenger Express $124 $298 $382 $22 $114 $940 $78
Avenger R/T $124 $298 $382 $22 $114 $940 $78
Avenger SXT $124 $298 $382 $22 $114 $940 $78
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can change insurance rates substantially.

The example below demonstrates how deductible levels and can affect Dodge Avenger premium costs for different insured age categories. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Full coverage rates vs. liability-only in Tucson

The example below illustrates the comparison of Dodge Avenger insurance costs when comparing full coverage to liability only. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

When to stop buying full coverage

There is no exact rule that works best for making the decision to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say your Dodge Avenger settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $2,000 after paying your policy deductible. If premiums are more than $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Why auto insurance is not optional

Despite the high insurance cost for a Dodge Avenger in Tucson, paying for auto insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in Arizona overpays more than $700 annually so we recommend shopping around at least once a year to make sure the price is not too high.

Lower-cost Dodge Avenger insurance in Tucson

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about before you get the savings.Discount car insurance

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts should definitely cut the cost of coverage.

The chart below visualizes the comparison of Dodge Avenger auto insurance costs with and without some available policy discounts. The rates are based on a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, safe-driver, and marriage discounts applied.

A list of companies and some of their more popular discounts can be read below.

If you need the cheapest Dodge Avenger rate quotes, ask each company or agent the best way to save money. All car insurance discounts might not be available to policyholders in Tucson. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts in Tucson, click here.

Car insurance agents near you

Some consumers just want to talk to an insurance agent and doing so can bring peace of mind Experienced insurance agents can help you build your policy and give you someone to call. One of the benefits of comparing insurance prices online is you can get lower premium rates but still work with a licensed agent.

Insurance agency in TucsonTo find an agent, once you fill out this simple form, your information is transmitted to insurance agents in Tucson that give free quotes for your coverage. There is no reason to visit any agencies since price quotes are sent immediately to you. If you want to compare prices from one company in particular, you just need to jump over to their website and fill out the quote form the provide.

Selecting a insurance company requires more thought than just a cheap quote. Before buying a policy in Tucson, get answers to these questions.

The following is a list of auto insurance companies in Tucson that may be willing to give price quote information for Dodge Avenger insurance in Tucson.

7401 E 22nd StTucson, AZ 85710(520) 514-0222View Map

2193 N Camino PrincipalTucson, AZ 85715(520) 886-3066View Map

3255 E Speedway BlvdTucson, AZ 85716(520) 747-4223View Map

7487 E Broadway BlvdTucson, AZ 85710(520) 296-9525View Map

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Once you have satisfactory answers to your questions as well as an affordable premium quote, chances are good that you have found an insurance company that can be relied on to adequately provide insurance.

Ratings for Arizona auto insurance companies

Choosing a highly-rated car insurance provider can be rather challenging considering how many choices drivers have in Arizona. The company ratings shown next may help you decide which providers you want to consider when comparing rates.

Top Auto Insurance Companies in Tucson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

When to get professional advice

Always remember that when buying insurance from an agent or online for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.Safe vehicles cost less to insure

For example, these questions can aid in determining whether your personal situation might need professional guidance.

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, fire damage, theft and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/10 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against things such as medical services, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but drivers should carry higher limits.

The illustration below shows why minimum state limits may not be enough.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Dodge Avenger.

Because many people only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, hitting a parking meter, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Avenger to bring the cost down.

Compare rates regularly to save

As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

People leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, unfair underwriting practices or high prices. Whatever your reason, choosing a new insurance company is actually quite simple.

We just covered a lot of tips how to save on Dodge Avenger insurance in Tucson. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Dodge Avenger insurance quotes. Drivers may even discover the most savings is with some of the smallest insurance companies.

How to buy lower priced Dodge Avenger insurance in Tucson

Really, the only way to get the cheapest auto insurance rates in Tucson is to regularly compare prices from insurance carriers in Arizona.

One key aspect of rate comparisons is to try to use identical limits and deductibles on each quote request and and to get rate quotes from as many auto insurance providers as possible. This guarantees a fair price comparison and the best rate selection.

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